Nissan Versa Insurance Rates

If you are struggling to find the best Nissan Versa Note insurance rates, this article is for you. 

Drivers pay an average of $1,424 per year for Nissan Versa Note car insurance, and that can fluctuate based on a variety of factors, such as the age of the vehicle and whether you chose comprehensive coverage or liability insurance. For example, insurance for a Nissan Versa Note costs less if you drive an older model of the vehicle.

In order to adequately prepare yourself to shop for a policy like a pro, be sure to read through this detailed article. When you’re ready, be sure to enter your five-digit ZIP code to compare Nissan Versa car insurance rates from multiple companies.

The average auto insurance rates for a Nissan Versa are $1,358 annually for full coverage insurance. Comprehensive costs on average $268, collision costs $542, and liability coverage costs $390. Buying just liability costs as little as $452 a year, with insurance for high-risk drivers costing around $2,950. Teen drivers cost the most to insure at $5,108 a year or more.

Average premium for full coverage: $1,358

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Versa trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas.

The price range example below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than using price averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below illustrates estimated Nissan Versa insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $777
• Drivers who choose higher $1,000 deductibles will pay around $184 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,358
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,714
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,950 or more
• Policy cost with full coverage for a teenage driver with full coverage may cost $5,108 a year

View Chart as Image

Insurance rates for a Nissan Versa also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can cost around 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $540 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Nissan Versa insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,830 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Every company uses a different rate calculation, so the rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Affordable Nissan Versa Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit history, being claim-free, and bundling your home and auto policies. Take the time to compare rates at least every other year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a brief review of the car insurance concepts covered in the above illustrations.

• Drivers with DUI or reckless driving convictions may pay on average $1,590 more each year for car insurance
• It is possible to save as much as $160 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Consumers who require higher liability limits will pay about $430 annually to go from a 30/60 limit to higher 250/500 limits

As you can see from some of the information we’ve gone over to this point, there are several individual factors that influence Nissan Versa Note insurance cost. Take advantage of our free quote tool below to compare affordable Nissan Versa Note car insurance quotes from top companies right now.

What are the safety ratings of the Nissan Versa Note?

The safety ratings of the Nissan Versa Note are important to understand because your insurance provider is going to be interested in knowing about the durability of your car.

Take a look at the following crash test ratings of the Nissan Versa Note with results reported from the Insurance Institute for Highway Safety.

• Small overlap front (driver-side): N/R
• Small overlap front (passenger-side): N/R
• Moderate overlap front: Good
• Side: N/R
• Roof strength: N/R
• Head restraints and seats: N/R

For a brief frame of reference, “Good” is the highest rating possible. The fact that the Nissan Versa Note received this score in the only part of the car that was tested is positive news.

Nissan Versa Note Compared Against Other Vehicles in the Same Class

If you are curious to know how the Nissan Versa Note stacks up to other similar models, take a look at the following minicars.

Each page provides information on the insurance rates for each comparable model so you can cross-reference them with the Nissan Versa Note.

• Chevrolet Spark
• Hyundai Accent
• Mitsubishi Mirage

Now that we have gone into great detail about how Nissan Versa Note insurance rates are calculated, you can feel confident comparison shopping for the best rates. Ready to buy Nissan Versa Note car insurance? Start comparing Nissan Versa Note quotes from multiple companies by taking advantage of our free online tool.